Ebe E Si Nweta Reports na Ebe E Si Nweta Scores · Ihe 2 nke 3
Build Credit from Zero
A month-by-month plan to earn a first credit score, with costs compared, for newcomers, young adults, ITIN holders and anyone without a credit history.
Mezue na ngwaọrụ a.
A sụgharịbeghị akụkụ nke nkuzi a n'asụsụ gị, n'ihi ya, a na-egosipụta ha n'asụsụ Bekee.
Na nkuzi a
Ihe ị ga-amụta
- Explain what credit invisible means and why it matters for renting, jobs and loans.
- Compare secured cards, credit-builder loans, authorized user accounts, lending circles and rent reporting.
- Describe how to apply for credit with an ITIN at lenders that accept one.
- Follow a month-by-month plan to earn a first credit score.
Kedu ka nke a si jikọọ na klaasị anyị: Our class covers how to build credit with tools like secured cards and alternative credit history. This lesson gives you a month-by-month plan, a cost comparison with real numbers, and steps for newcomers and ITIN holders.
Okwu ndị ị ga-amata
- Ebe E Si Nweta (Credit invisible)
- Enweghị akụkọ akwụmụgwọ na nke ọ bụla n'ime ụlọ ọrụ kredit atọ nke mba.
- Faịlụ dị gịrịgịrị (Thin file)
- Akụkọ akwụmụgwọ nwere akaụntụ ole na ole. O nwere ike ịdị ntakịrị iji mepụta akara kredit.
- Kaadị akwụmụgwọ echekwara (Secured credit card)
- Kaadị akwụmụgwọ nke chọrọ nkwụnye ego. Nkwụnye ego na-edozikarị oke akwụmụgwọ gị.
- Ebe E Si Nweta Ego (Credit-builder loan)
- Obere mgbazinye ego nke a na-ejide na akaụntụ nchekwa akpọchiri akpọchi mgbe ị na-akwụ ụgwọ. Ị ga-enweta ego ahụ na njedebe.
- Onye ọrụ ikikere (Authorized user)
- Onye nwere ikike iji kaadị akwụmụgwọ nke onye ọzọ. Onye ọrụ ikikere anaghị akwụ ụgwọ maka ịkwụ ụgwọ ahụ.
- ITIN
- Nọmba njirimara onye na-atụ ụtụ isi. Nọmba ụtụ isi 9 sitere na IRS maka ndị na-enweghị ike ịnweta nọmba Social Security.
No credit is not bad credit, but it can cost you
If none of the three nationwide credit bureaus has a file on you, you are credit invisible. If your file has only one or two new accounts, you may have a thin file, which can be too small to produce a score. A credit score is a number, usually from 300 to 850, that comes from your credit report. It helps lenders guess how likely you are to pay on time, and a higher score usually means lower costs to borrow. Many people are in this group: newcomers to the United States, young adults, and people who pay for everything in cash.
Having no score is not the same as having a bad score. But it can still cost you money:
- Loans and cards: Lenders may turn you down or charge you a higher interest rate.
- Housing: Landlords may check your credit before they rent to you.
- Jobs: Some employers check credit. In DC, most employers may not ask for or use your credit information when they make job decisions, with some exceptions. You can report a violation to the DC Office of Human Rights.
Some good habits you already have may not count. Rent, phone and utility payments usually do not appear on credit reports unless the company reports them. Debit cards and prepaid cards do not build credit, because you are not borrowing money. Payday loans do not help either, because the payments are not reported to the credit bureaus. Car dealers that lend their own money (sometimes called buy here, pay here) often report only late payments, not on-time payments.
Ụzọ ise iji malite ma e jiri ya tụnyere
Naanị ị ga-achọ otu ma ọ bụ abụọ n'ime ngwaọrụ ndị a. Họrọ otu nke dabara na mmefu ego gị ma na-akọ ụgwọ gị na ụlọ ọrụ kredit.
| Ngwá ọrụ | Otu o si arụ ọrụ | Lelee maka |
|---|---|---|
| Kaadị akwụmụgwọ echekwara | Ị na-akwụ ụgwọ ego, dịka ọmụmaatụ $ 300. Nkwụnye ego na-abụkarị njedebe akwụmụgwọ gị. Ị na-eji kaadị ahụ ma kwụọ ụgwọ ahụ. Ị na-enweta nkwụnye ego mgbe ị mechiri akaụntụ ahụ ma ghara ịkwụ ụgwọ ọ bụla, ma ọ bụ mgbe ị kwagara na kaadị nkịtị. | Ụgwọ kwa afọ ma ọ bụ kwa ọnwa. Jụọ ma ọ bụrụ na ọ na-akọ na ụlọ ọrụ atọ ahụ ma ọ bụrụ na ị nwere ike ịkwaga na kaadị mgbe niile. |
| Ebe E Si Nweta Ego | Ọtụtụ mgbe, ọ na-abụkarị site na ụlọ ọrụ kredit ma ọ bụ na-abụghị uru. Onye na-agbazinye ego na-etinye obere mgbazinye ego, na-abụkarị $ 300 ruo $ 1,000, na akaụntụ ego akpọchiri akpọchi. Ị na-akwụ ụgwọ maka ọnwa 6 ruo 24. Mgbe ahụ, ị ga-enweta ego ahụ. | Mmasị na ụgwọ. Ịkwụ ụgwọ na-efu na-emerụ akwụmụgwọ gị kama inyere ya aka. |
| Onye ọrụ ikikere | Onye òtù ezinụlọ ma ọ bụ enyi na-agbakwunye gị na akaụntụ kaadị akwụmụgwọ ha. N'ozuzu, ị bụghị onye na-ahụ maka ịkwụ ụgwọ ahụ. | Jụọ ụlọ ọrụ kaadị ma ọ bụrụ na ọ na-akọ ndị ọrụ ikike na ụlọ ọrụ kredit. Ịkwụ ụgwọ mbubreyo nke onye nwe ya ma ọ bụ nguzozi dị elu nwere ike imerụ akwụmụgwọ gị. Jiri ya dị ka nzọụkwụ mbụ, ọ bụghị naanị nzọụkwụ gị. |
| Mgbazinye okirikiri | Otu ìgwè nke ndị mmadụ na-akwụ ụgwọ n'ime ego a na-ekerịta kwa ọnwa. Kwa ọnwa, otu onye otu na-enweta ego niile. Ụfọdụ ndị na-abụghị uru na-agba ọsọ mgbazinye ego ma na-akọ ụgwọ ọ bụla na ụlọ ọrụ kredit. | A ezinụlọ ma ọ bụ susu na-ewulite akwụmụgwọ naanị ma ọ bụrụ na mmadụ na-akọ ụgwọ ahụ ma ọ dịkarịa ala otu ụlọ ọrụ kredit. |
| Akụkọ mgbazinye ego | Onye nwe ụlọ gị, ma ọ bụ ọrụ ị debanyere aha, na-akọ ụgwọ mgbazinye gị ma ọ dịkarịa ala otu ụlọ ọrụ kredit. | Jụọ ụlọ ọrụ ndị na-enweta data ahụ, ma ọ bụrụ na enwere ụgwọ, yana ma ọ bụrụ na a na-akọ ụgwọ mbubreyo. Ọ bụghị akara akwụmụgwọ ọ bụla na-agụta ụgwọ mgbazinye. |
Otu ihe atụ nke mmemme mgbazinye ego: Mission Asset Fund na-enweghị uru na-agba ọsọ Lending Circles na ndị otu ndị mmekọ. Ọ na-ekwu na mgbazinye ego ya enweghị mmasị, ọ na-akọ ịkwụ ụgwọ na nnukwu ụlọ ọrụ kredit atọ, ndị nwere ITIN nwere ike iji ya wuo kredit.
Ihe Nlereanya
Ihe ị na-efu: kaadị echekwara ma ọ bụ kaadị akwụmụgwọ
Samuel na-arụ ọrụ n'ụlọ oriri na ọṅụṅụ dị na Silver Spring ma na-akwụ ya ụgwọ na ego. O nwere $ 300 echekwara. Ọ na-atụnyere onyinye abụọ sitere na ụlọ ọrụ kredit ya. Ndị a bụ nọmba ihe atụ. Jụọ mgbe niile maka ezigbo ego na ederede.
| Ihe | Kaadị echekwara | Ebe E Si Nweta Ego |
|---|---|---|
| Ego ọ na-etinye | Nkwụnye ego $ 300 | $ 636 na ịkwụ ụgwọ |
| Ego ọ na-eweghachite | $ 300 | $ 600 |
| Ego kwa afọ | $ 0 | $ 0 |
| Mmasị | $ 0 | $ 36 |
| Ọnụ ego maka afọ | $ 0 | $ 36 |
$ 53 × ọnwa 12 = $ 636 akwụ ụgwọ; $ 636 - $ 600 laghachiri = $ 36 na-efu
Kaadị echekwara anaghị efu ihe ọ bụla ma ọ bụrụ na Samuel na-ahọrọ kaadị na-enweghị ego kwa afọ ma na-akwụ ụgwọ zuru oke kwa ọnwa. Ọ na-enweta nkwụnye ego ya mgbe ọ na-emechi kaadị ahụ ma ghara ịkwụ ụgwọ ọ bụla, ma ọ bụ mgbe ọ kwagara na kaadị mgbe niile. Mgbazinye ego ahụ na-efu $ 36, mana ọ na-arụ ọrụ dị ka atụmatụ ịchekwa: na njedebe ọ nwere $ 600. Ha abụọ na-ewulite kredit ma ọ bụrụ na a kọọrọ ha na ụlọ ọrụ. Ọ bụrụ na Samuel enweghị $ 300 maka nkwụnye ego, mbinye ego ahụ nwere ike ịbụ ụzọ kachasị mfe ịmalite.
Ndị na-ede blọgụ na ndị na-ede blọgụ na ndị na-ede blọgụ
ITIN bụ nọmba ụtụ isi sitere na IRS maka ndị na-enweghị ike ịnweta nọmba Social Security. Ị nwere ike ịmepụta akụkọ akwụmụgwọ US na ITIN. Companiesfọdụ ụlọ ọrụ kaadị na ndị na-agbazinye ego ndị ọzọ na-anabata ITIN na ngwa akwụmụgwọ. Ọ bụghị ha niile na-eme, iwu dịkwa iche na onye na-agbazinye ego ọ bụla. Kemgbe June 2026, ndị na-achịkwa gọọmentị etiti arịọla ụlọ akụ ka ha lebakwuo anya na ndị ahịa na-eji ITIN. Fọdụ nwere ike ịrịọ maka akwụkwọ ndị ọzọ ma ọ bụ sị mba, yabụ jụọ tupu itinye akwụkwọ. Were ndepụta nke ajụjụ a:
- Ị na-anabata ITIN maka kaadị a ma ọ bụ mgbazinye ego?
- You na-akọ ịkwụ ụgwọ na Equifax, Experian na TransUnion?
- Ego ole ka a na-akwụ ụgwọ, kwa ọnwa na kwa afọ?
- Maka kaadị echekwara: gịnị bụ obere nkwụnye ego, oleekwa mgbe m nwere ike ịkwaga na kaadị mgbe niile?
- Kedu akwụkwọ m chọrọ, dị ka paspọtụ, ID consular ma ọ bụ ihe akaebe nke adreesị?
Jiri otu mkpụrụedemede nke aha gị, otu ụbọchị ọmụmụ na adreesị gị ugbu a na ngwa ọ bụla. Nke a na-enyere ụlọ ọrụ kredit aka idobe akaụntụ gị niile n'otu faịlụ.
Ebe E Si Nweta site na mba ọzọ: Akụkọ akwụmụgwọ gị sitere na mba ọzọ anaghị apụta na akụkọ kredit US. Ụfọdụ ndị na-agbazinye ego US na-arụ ọrụ na ụlọ ọrụ nwere ike ileba anya na akụkọ kredit sitere na mba ndị ọzọ. Jụọ onye na-agbazinye ego ma ọ nwere ike ime nke a. Ọ bụrụ na ọ gaghị ekwe omume, bido site na otu n'ime ngwaọrụ ndị dị n'elu.
Ihe Nlereanya
Month-by-month plan: Aisha's first score
Aisha moved to Takoma Park and works at a hotel. She has an ITIN and no U.S. credit history. Here is her plan. You can follow the same steps.
- Before you start: Get your reports from each bureau to see if you already have a file. Without a Social Security number, ask by mail. Save money for a deposit if you need one.
- Month 1: Open one account that reports to all three bureaus. Aisha opens a secured card with a $300 limit. She sets up automatic payment from her checking account for the full balance on each statement.
- Months 1 to 6: Use the card for one small, regular bill, like a $30 phone bill. Keep the balance under 30% of the limit. On a $300 card, that means less than $90. Credit scores look at how much of your limit you are using, called credit utilization, and using only a small part of it helps your score. Pay the full balance by the due date every month.
- Month 6: Check your reports from all three bureaus. Make sure the new account is there and correct. A FICO score needs at least one account that has been open six months or more, and at least one account reported in the last six months. So around now, you may get your first score.
- Months 7 to 12: Keep using the card for small amounts and paying on time. Ask if you can move to a regular card and get your deposit back. Do not apply for many new accounts at once.
- After month 12: If you need it, add a second, different kind of credit, such as a credit-builder loan. Keep your oldest account open.
$300 limit × 30% = $90, so keep the balance under $90
Where can Aisha see her score? Many credit card companies give their customers a free credit score. HUD-approved housing counselors and nonprofit credit counselors can often give you a free credit report and score, too.
Lee anya
Ọnyà iji zere
- Ụgwọ dị elu. Ụfọdụ kaadị na ngwaahịa ndị na-ewu ụlọ kredit na-akwụ ụgwọ kwa ọnwa, ụgwọ ntọala ma ọ bụ ụgwọ kwa afọ. Tinye ụgwọ niile maka otu afọ ma jiri ha tụnyere kaadị echekwara nke na-enweghị ego kwa afọ.
- Nkwa nke akara ngwa ngwa. Iwulite akwụmụgwọ na-ewe ọtụtụ ọnwa. Ọ dịghị onye nwere ike inye gị akara dị mma n'ime ụbọchị ole na ole.
- Njirimara akwụmụgwọ ọhụrụ. Ụfọdụ ndị na-ere ahịa na-enye nọmba ọhụrụ iji kama nọmba Social Security gị ma ọ bụ ITIN. Iji nọmba na-abụghị nke gị itinye akwụkwọ maka akwụmụgwọ bụ iwu na-akwadoghị. Ị nwere ike ịkwụ ụgwọ ma ọ bụ mkpọrọ.
- Nnukwu akwụmụgwọ ngwa ngwa. Imeghe ọtụtụ akaụntụ ọhụrụ n'oge dị mkpirikpi nwere ike belata akara gị ma mee ka ndị na-agbazinye ego na-echegbu onwe ha.
Ndị scammers na-elekwasị anya na ndị ọhụrụ na mba ahụ. Hụ aghụghọ ndị na-elekwasị anya na ndị bịara ọhụrụ.
Ndụmọdụ
Enyemaka n'efu dị gị nso
Na DC, Ngalaba Mkpuchi, Nchekwa na Banking na-enye mmemme agụmakwụkwọ ego site na Office of Financial Empowerment and Education. Na Maryland, CASH Campaign nke Maryland na-enye ọzụzụ ego n'efu. N'ebe ọ bụla na mpaghara, ị nwere ike ịchọta onye ndụmọdụ ụlọ kwadoro HUD nke nwere ike nyochaa akwụmụgwọ gị maka obere ma ọ bụ na-akwụghị ụgwọ. Chọrọ akaụntụ ụlọ akụ ma ọ bụ akaụntụ ụlọ akụ mbụ? Hụ otu esi emeghe akaụntụ.
Key takeaways
- Having no credit history is not the same as having bad credit, but it can still cost you money.
- Start with one product that reports to all three credit bureaus. Use it for small amounts and pay on time every month.
- Some lenders accept an ITIN. Ask before you apply.
- A first FICO score usually takes about six months of reported history.
- Stay away from high fees, promises of a fast score, and anyone selling a new credit identity.
Lelee nghọta gị
Zaa ajụjụ ndị ahụ, wee họrọ Lelee azịza m. Nweta 4 nke ikike 5 iji mezue nkuzi a. Nke a bụ omume: enweghị oge ọ bụla, anyị anaghị edebe azịza gị.
Gaa n'ihu
Ebe nrụọrụ weebụ ndị a tụkwasịrị obi ebe ị nwere ike ịmụtakwu ihe. Njikọ ndị a na-aga na weebụsaịtị ndị ọzọ nke Dollar Scholars anaghị agba ọsọ.
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Kedu ụzọ ụfọdụ iji malite ma ọ bụ wughachi akụkọ akwụmụgwọ dị mma? [mèzi _ mèzi] Site
Na-akọwa kaadị echekwara, mgbazinye ego kredit na kaadị ụlọ ahịa, na ngwaahịa ndị na-adịghị enyere aka wulite kredit.
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Ebe E Si Nweta [mèzi _ mèzi] Site
Peeji ndị dị mfe banyere otu esi ewulite, lelee ma melite kredit gị, edere maka ndị okenye na-amụ Bekee.
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Crédito [mèzi _ mèzi] Site
A na-eji ya eme ihe n'ụzọ ziri ezi, na-eme ka ọ bụrụ na ị
Ihe mmụta a bụ agụmakwụkwọ ego izugbe, ọ bụghị iwu, ụtụ isi, ma ọ bụ ndụmọdụ ego. Iwu na ego na-agbanwe, yabụ lelee nọmba dị mkpa na isi mmalite gọọmentị.